Interior designer insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability / Errors & Omissions
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Errors & Omissions / Professional Liability
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Interior Designer Insurance?
Your life’s work is creating spaces that people fall in love with the minute they step inside. Color palettes, furniture styles, fabric swatches, and design principles fill your days. But as you’re creating interior design magic for your clients, who is making sure your business is protected?
Below are some of the most common types of insurance policies that interior designers carry to stay protected.
What Type of Interior Design Insurance Do I Need?
From
$25.83
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Equipment and Business Property
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Type of Insurance Do I Need for My Interior Design Business?
Depending on what your interior design business needs, your business insurance plan may vary. However, when deciding what the best insurance coverage is for you, we may recommend these three core plans to form your foundational policy:
Professional Liability Insurance
Whether you work primarily with families to perfect their dream home or if you design corporate office spaces that dazzle, you spend a lot of time working with clients. Your clients look to you for advice regarding all things design and functionality, and trust that investing in your services will be worthwhile.
But no matter how many years of experience you have under your belt, mistakes can still happen.
That’s why it’s critical to have professional liability insurance (PL).
Interior designer professional liability insurance covers you and your business if a client claims that you or your company didn’t fulfill your end of the project. Also, if you have employees, PL insurance protects them as well.
So what does this mean in a real setting?
Imagine you’re working with a new client on designing their new downtown office location. Somewhere during the process, you make an error recommending certain chairs for the space. It turns out that many of the chairs are faulty, and now your client has to purchase all new chairs. You’re embarrassed, and your client is upset. What now?
In this case, professional liability insurance would cover the cost that may arise as a result of the mistake (up to your policy limits). For instance if they were to take you to court, your PL policy would cover the fees associated with the lawsuit. Having professional liability insurance can prevent you from having to tap into your bank account if issues like this occur.
In a nutshell, here’s what professional liability coverage for interior designers can entail:
- Negligence or alleged negligence
- Legal defense costs
- Omissions or alleged omissions
- Claims and damages
- And more
However, professional liability insurance usually doesn’t cover:
- Intentional acts and omissions
- Property damage
- Medical expenses
- Bodily injury
- And more
Commercial General Liability Insurance
Do you have an office space where clients meet you to talk through design concepts, projects, and other matters? If you do, you’ll likely need commercial general liability insurance. This policy, commonly referred to as general liability (GL) insurance, protects you from having to pay for third-party accidents, property damage, and bodily injuries to a third party (e.g., a client or vendor).
GL is a vital part of any small business insurance policy for many reasons, with a primary one being that it can protect you from severe claims and costs. Did you know that the average customer injury or damage claim (something that GL insurance covers) is $30,000?
In other words, without general liability insurance, you may have to pay for those costs out of your bank account.
For example, let’s say that a client is interested in your interior design services and visits you in your home office. As the client walks in, she slips on your recently waxed office floor, which you cleaned because you wanted to show off your flair for interior work. She not only ends up breaking her arm; she wants to sue you for the resulting medical bills.
In that scenario, your general liability policy may cover the costs of her medical bills, as well as legal fees resulting from defending yourself against her lawsuit (up to your policy limit).
To summarize, here’s what general liability insurance usually can cover:
- Bodily injury to another person
- Third-party property damage
- Personal and advertising injury
- Medical expenses
- And more
Here’s what general liability insurance usually doesn’t cover:
- Damage to your own property
- Professional services
- Workers’ compensation or injury to your employees
- Damage to your work
- Motor vehicles while in business use
- Expected or intentional injury or damage
- And more
Workers’ Compensation Insurance
Do you have a team of designers who help power your business? Whether they’re part-time, full-time, or temporary, you may be required to carry workers’ compensation insurance. This insurance can cover costs related to an employee injury or illness sustained while working for you.
Most states require business owners with employees to have some form of workers’ compensation insurance. Is your state one of them? Check here to see your state’s laws.
Workers’ compensation insurance can be a critical part of running a thriving interior design business. With the average work injury cost to be around $41,000 and a jarring total of $170.8 billion in claims filed in 2018 alone, it’s critical to have workers’ compensation on your side.
Even if your team is small, having workers’ compensation can protect you and your business from several variables you may face as an interior designer.
In general, workers’ compensation for interior designers can cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
Why Should I Get Insurance for My Interior Design Business?
As an interior designer, you know the importance of being buttoned up from the initial project kick-off to the finishing touches on a space.
But maybe you aren’t sure if you need business insurance at this point. Or perhaps you’re just getting started, and adding another expense to your business sounds like too much.
The reality is, the amount you’ll pay for your insurance policy is minimal compared to the costs you could face. No matter how organized and careful you are as a business owner, accidents and mistakes can still happen.
Here are some of the most common liabilities and risks small businesses face, including their average costs:
- Reputational Harm — $50,000
- Client Injury or Damage — $30,000
- Client Slip and Fall — $20,000
Without proper business insurance, you might be required to foot the bill on claims or lawsuits filed against you. Plus, around 43% of business owners have reported being threatened with or involved in a civil lawsuit. In other words, a client could take you to court merely because they are dissatisfied with your services and you may have to take efforts (and pay expenses) to respond — even if there is no merit to their claim and you did everything as you promised you would.
So it’s important to protect yourself from the repercussions of these situations. At Simply Business, finding the right insurance plan at the right price has never been easier. Just answer a few questions about your business, and you’ll get access to free quotes from the nation’s top insurers.
Also, we can provide you with a certificate of insurance (COI), so you can start providing proof of coverage.
What Does Interior Design Insurance Cost
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Get a quick estimate in just 3 steps.
Answers to More Interior Design Insurance Coverage Questions
Because all businesses are unique, you may be required to carry some types of insurance coverage and not others.
Depending on where you live, you may be required to carry workers compensation coverage if you have employees but not have to carry general liability insurance. It depends on your business’s needs and the laws applicable to your interior designer business!
As a general rule, your interior design insurance premiums are tax-deductible. We recommend you speak to an accountant if you have questions about your business’s deductible expenses.
The amount of coverage your business may need will depend on several factors:
- The size of your business
- Your business’s location
- Your annual revenue and payroll
- And more
If you aren’t sure what kind of coverage you need, we’re here to help. Our quote form is designed to let you compare multiple policy offerings, letting you pick the right coverage based on your business’s needs.
If you have questions, our licensed insurance agents are available and will be happy to assist you.
We recommend having the following information on hand to get your quote as quickly as possible:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
It may. Your state could have different insurance requirements for interior designers than other states.
Interior designer insurance depends on the policies you bundle together to meet your needs. If you choose to purchase professional liability, general liability, and workers compensation insurance for interior designers, all three together can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Negligence or alleged negligence
- And more
Insurance for interior designers depends on your business and its needs. In general, you can expect the cost of your insurance premiums to be determined by:
- The number of employees you have (including part-time and consultants)
- Your location
- The type of design services you offer
- Payroll
- Revenue
- And more
Curious to see how much your interior designer insurance may cost? Just click here and get free quotes from some of the top insurers across the nation.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.